Inv. Banks / Inv. Cos. / Securities Cos.
AMBL Apna Microfinance Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 19.50 +5.18%
Annual · FY2012 – FY2025
Apna Microfinance Bank Limited (AMBL) balance sheet
At the end of FY2025 (Jan – Dec 2025) Apna Microfinance Bank Limited had total assets of Rs 20.7 bn, up 18.8% on FY2024. Shareholders' equity was -Rs 10.5 bn (Rs -24.50 per share), -50.7% of total assets.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||
| Cash & short-term investments | 4.0 | 3.7 | 4.4 | 4.0 | 5.9 | |||||||||
| Investments | 2.6 | 1.9 | 1.3 | 2.5 | 1.3 | |||||||||
| Loans, leases & receivables | 10.6 | 8.2 | 6.6 | 8.4 | 11.5 | |||||||||
| Total assets | 20.7 | 17.4 | 17.0 | 19.6 | 23.8 | |||||||||
| Liabilities | ||||||||||||||
| Borrowings | 0.6 | 0.7 | 0.5 | 0.5 | 0.8 | |||||||||
| Total liabilities | 31.2 | 26.9 | 23.7 | 23.6 | 23.3 | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 | |||||||||
| Total equity | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 | |||||||||
| Total liabilities & equity | 20.7 | 17.4 | 17.0 | 19.6 | 23.8 | |||||||||
| Key figures | ||||||||||||||
| Shares outstanding mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 | |||||||||
| Common equity | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 | |||||||||
| Book value per share (Rs) Rs | (24.50) | (21.99) | (15.48) | (9.43) | 1.03 | |||||||||
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||
| Cash & short-term investments | +8.3% | -15.4% | +11.0% | -32.6% | -50.7% | |||||||||
| Investments | +40.9% | +49.4% | -49.2% | +95.8% | -26.1% | |||||||||
| Loans, leases & receivables | +28.9% | +24.4% | -21.1% | -27.4% | +13.7% | |||||||||
| Total assets | +18.8% | +2.5% | -13.1% | -17.6% | -19.6% | |||||||||
| Liabilities | ||||||||||||||
| Borrowings | -4.2% | +27.7% | -6.0% | -29.1% | -3.9% | |||||||||
| Total liabilities | +16.2% | +13.6% | +0.1% | +1.3% | -14.7% | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | — | — | — | -1,014.8% | -80.1% | |||||||||
| Total equity | — | — | — | -1,014.8% | -80.1% | |||||||||
| Total liabilities & equity | +18.8% | +2.5% | -13.1% | -17.6% | -19.6% | |||||||||
| Key figures | ||||||||||||||
| Shares outstanding | — | — | — | — | — | |||||||||
| Common equity | — | — | — | -1,014.8% | -80.1% | |||||||||
| Book value per share (Rs) | — | — | — | -1,014.8% | -82.2% | |||||||||
Change against the previous fiscal year; shown when the earlier figure is positive.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||
| Cash & short-term investments | 19.4% | 21.3% | 25.8% | 20.2% | 24.7% | |||||||||
| Investments | 12.7% | 10.7% | 7.4% | 12.6% | 5.3% | |||||||||
| Loans, leases & receivables | 51.0% | 47.0% | 38.7% | 42.7% | 48.4% | |||||||||
| Total assets | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||
| Liabilities | ||||||||||||||
| Borrowings | 3.0% | 3.7% | 3.0% | 2.8% | 3.2% | |||||||||
| Total liabilities | 150.7% | 154.1% | 139.0% | 120.7% | 98.1% | |||||||||
| Equity | ||||||||||||||
| Equity attributable to shareholders | (50.7%) | (54.1%) | (39.0%) | (20.7%) | 1.9% | |||||||||
| Total equity | (50.7%) | (54.1%) | (39.0%) | (20.7%) | 1.9% | |||||||||
| Total liabilities & equity | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||
| Key figures | ||||||||||||||
| Common equity | (50.7%) | (54.1%) | (39.0%) | (20.7%) | 1.9% | |||||||||
Each line as a percentage of total assets.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 84
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Cash & Short-Term Deposits Due from Banks - Total | 4.0 | 3.7 | 4.4 | 4.0 | 5.9 |
| Funds with Central Banks | 4.0 | 3.7 | 4.4 | 4.0 | 5.9 |
| Lending & Long-Term Deposits Due from Banks | — | — | — | — | — |
| Inter-Bank Loans & Long-Term Deposits with Other Banks | — | — | — | — | — |
| Loans & Receivables - Total | 10.6 | 8.2 | 6.6 | 8.4 | 11.5 |
| Banking Related Loans – Net | 10.6 | 8.2 | 6.6 | 8.4 | 11.5 |
| Investments - Total | 2.6 | 1.9 | 1.3 | 2.5 | 1.3 |
| Property, Plant & Equipment - Net - Total | 0.8 | 1.0 | 1.2 | 1.4 | 1.7 |
| Other Assets - Total | 2.5 | 2.5 | 3.6 | 3.4 | 3.5 |
| Deferred Tax - Asset - Long-Term & Short-Term | 1.7 | 1.7 | 1.7 | 1.7 | 1.3 |
| Other Assets | 0.8 | 0.8 | 1.9 | 1.7 | 2.2 |
| Intangible Assets - Total - Net | 0.1 | 0.1 | — | — | — |
| Intangible Assets - excluding Goodwill - Net - Total | 0.1 | 0.1 | — | — | — |
| Total Assets | 20.7 | 17.4 | 17.0 | 19.6 | 23.8 |
| Deposits - Total | 30.1 | 25.7 | 22.4 | 22.6 | 22.1 |
| Debt - Total | 0.6 | 0.7 | 0.5 | 0.5 | 0.8 |
| Short-Term Debt & Current Portion of Long-Term Debt | 0.5 | 0.5 | 0.2 | 0.0 | 0.0 |
| Current Portion of Long-Term Debt including Capitalized Leases | 0.4 | 0.4 | 0.2 | — | — |
| Capitalized Leases - Current Portion | 0.4 | 0.4 | 0.2 | — | — |
| Short-Term Debt & Notes Payable | 0.1 | 0.1 | — | 0.0 | 0.0 |
| Debt - Long-Term - Total | 0.1 | 0.1 | 0.3 | 0.5 | 0.8 |
| Short-Term Banking Borrowings excluding Collateralized Financing | 0.1 | 0.1 | — | 0.0 | 0.0 |
| Capitalized Lease Obligations - Long-Term | 0.1 | 0.1 | 0.3 | 0.5 | 0.8 |
| Deferred Tax & Investment Tax Credits - Long-Term | — | — | — | — | — |
| Deferred Tax - Liability - Long-Term | — | — | — | — | — |
| Junior Subordinated Debentures & Notes Payable - Trust Account | — | — | — | — | — |
| Other Liabilities - Total | 0.6 | 0.6 | 0.7 | 0.5 | 0.5 |
| Other Liabilities - | 0.6 | 0.6 | 0.7 | 0.5 | 0.5 |
| Total Liabilities | 31.2 | 26.9 | 23.7 | 23.6 | 23.3 |
| Shareholders' Equity - Attributable to Parent Shareholders - Total | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 |
| Common Equity Attributable to Parent Shareholders | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 |
| Common Equity - Contributed | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 |
| Common Stock - Issued & Paid | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 |
| Equity - Non-Contributed - Reserves & Retained Earnings | (14.8) | (13.7) | (10.9) | (8.3) | (3.8) |
| Retained Earnings - Total | (15.9) | (14.3) | (10.9) | (7.4) | (2.9) |
| Comprehensive Income - Accumulated - Total | 0.1 | 0.0 | — | — | — |
| Investments - Unrealized Gain/Loss | 0.1 | 0.0 | — | — | — |
| Other Reserves/Equity - Total | 1.0 | 0.5 | 0.0 | (1.0) | (1.0) |
| Common Equity - Total | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 |
| Total Shareholders' Equity - including Minority Interest & Hybrid Debt | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 |
| Total Liabilities & Equity | 20.7 | 17.4 | 17.0 | 19.6 | 23.8 |
| Revaluation Reserves | — | — | — | — | — |
| Common Shares - Issued - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 |
| Common Shares - Outstanding - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 |
| Common Shares - Treasury - Total mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Common Shares - Authorized - Issue Specific mn | 750.0 | 750.0 | 500.0 | 500.0 | 500.0 |
| Common Shares - Issued - Issue Specific mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 |
| Common Shares - Outstanding - Issue Specific mn | 429.0 | 429.0 | 429.0 | 429.0 | 429.0 |
| Common Shares - Treasury - Issue Specific mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Asset Allocation Factor - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Right of Use Tangible Assets - Total - Net - Supplemental | 0.3 | 0.4 | 0.4 | 0.5 | 0.7 |
| Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental | 0.3 | 0.4 | 0.4 | 0.5 | 0.7 |
| Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental | 0.5 | 0.6 | 0.8 | 0.9 | 1.0 |
| Finance and Operating Lease Liabilities - Total - Supplemental | 0.5 | 0.6 | 0.5 | 0.5 | 0.8 |
| Debt including Finance and Operating Lease Liabilities - Supplemental | 0.6 | 0.7 | 0.5 | 0.5 | 0.8 |
| Net Debt | (3.4) | (3.1) | (3.9) | (3.4) | (5.1) |
| Cash & Cash Equivalents - Total | 4.0 | 3.7 | 4.4 | 4.0 | 5.9 |
| Cash & Securities | 6.7 | 5.6 | 5.6 | 6.4 | 7.1 |
| Cash & Short Term Investments - Total | 4.0 | 3.7 | 4.4 | 4.0 | 5.9 |
| Debt - including Preferred Equity & Minority Interest - Total | 0.6 | 0.7 | 0.5 | 0.5 | 0.8 |
| Earning Assets | 17.2 | 13.8 | 12.2 | 14.8 | 18.6 |
| Invested Assets - Total | 2.6 | 1.9 | 1.3 | 2.5 | 1.3 |
| Net Book Capital | (13.9) | (12.5) | (10.5) | (7.5) | (4.7) |
| Net Operating Assets | (13.9) | (12.5) | (10.5) | (7.5) | (4.7) |
| Provisions - Total | — | — | — | — | — |
| Shareholders Equity - Common | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 |
| Tangible Total Equity | (10.6) | (9.6) | (6.6) | (4.0) | 0.4 |
| Tangible Book Value | (10.6) | (9.6) | (6.6) | (4.0) | 0.4 |
| Total Book Capital | (9.9) | (8.8) | (6.1) | (3.5) | 1.2 |
| Total Capital | (9.9) | (8.8) | (6.1) | (3.5) | 1.2 |
| Total Long Term Capital | (10.5) | (9.4) | (6.6) | (4.0) | 0.4 |
| Book Value excluding Other Equity | (11.5) | (9.9) | (6.7) | (3.1) | 1.4 |
| Cash & Short Term Investments - Net of Debt | 3.4 | 3.1 | 3.9 | 3.4 | 5.1 |
| Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments | 0.4 | 0.4 | 0.2 | — | — |
| Interest Bearing Liabilities - Total | 30.7 | 26.3 | 23.0 | 23.1 | 22.9 |
| Net Debt Including Preferred Equity & Minority Interest | (3.4) | (3.1) | (3.9) | (3.4) | (5.1) |
| Other Short-Term & Long-Term Assets - Total | 2.5 | 2.5 | 3.6 | 3.4 | 3.5 |
| Other Short-Term & Long-Term Liabilities - Total | 0.6 | 0.6 | 0.7 | 0.5 | 0.5 |
| Tangible Book Value excluding Other Equity | (11.7) | (10.1) | (6.7) | (3.1) | 1.4 |
| Total Debt Excluding Islamic | 0.6 | 0.7 | 0.5 | 0.5 | 0.8 |
| Total Available Funds | 19.6 | 16.2 | 15.8 | 18.6 | 22.5 |
| Loans - Gross – Total | 10.6 | 8.2 | 6.6 | 8.4 | 11.5 |
| Deposits - Net | 30.1 | 25.7 | 22.4 | 22.6 | 22.1 |
| Loans - Net - Total | 10.6 | 8.2 | 6.6 | 8.4 | 11.5 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.